City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Raya Reaves
  • 5.0 (127)
  • Self-Improvement
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Make good money but still feel behind financially? Struggling with budgeting, overspending, or figuring out where your money actually goes? Whether you're living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth...The City Girl Savings Podcast is your weekly money reset. Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth...without giving up the lifestyle they love. Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she's a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur...and she teaches women how to do the same. Each episode covers topics like: • Budgeting systems that simplify your life • Money mindset shifts that build confidence • How to stop overspending and save consistently • Paying off debt and keeping it at $0 • Building wealth while still enjoying your lifestyle • Financial organization, goal setting, and long-term security If you're a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset. Press follow and let Raya be the money coach in your ear every Monday...helping you budget your way to a life you truly love. Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

  1. 4h ago

    What Financial Freedom Really Looks Like with Marc Russell

    Financial freedom is one of those phrases we hear all the time. It's talked about in books, podcasts, social media posts, and financial conversations. But what does it actually mean? Because for many women, especially women who earn good money, financial freedom can feel like a moving target. You hit one goal, only to create another. You make more money, but still don't feel fully in control of it. You save, invest, and work hard...yet you're not quite sure when you'll finally feel "free." The truth is, financial freedom isn't just about reaching a certain number in your bank account or investment portfolio. It's about having options. It's about creating a financial life that supports your goals, your values, and the way you want to spend your time. In this episode, I'm joined by Marc Russell, founder of BetterWallet and a financial educator who has helped hundreds of thousands of people pay off debt, start investing, and build long-term wealth. We're talking about what financial freedom really looks like, some of the biggest misconceptions people have about it, and the habits, behaviors, and mindset shifts that help create it. Whether you're just getting started or already making progress, this conversation will help you think differently about what freedom means for you.   In this episode, we discuss: What financial freedom really means and how the definition can evolve over time Common misconceptions people have about financial freedom Why some high earners still feel stuck financially The behaviors and spending habits that can keep people from building wealth How income and behavior work together to create financial freedom The connection between investing and long-term financial independence How to stay consistent with investing without feeling overwhelmed Why consistency matters more than intensity when building wealth The identity shifts that often happen as people build financial confidence The first steps someone can take to start building financial freedom today   This episode is especially helpful if you: Make good money but don't feel fully in control of it Want to build wealth without feeling restricted Feel unsure whether you're making enough progress financially Want to better understand how investing supports financial freedom Are working toward long-term financial goals and want a clearer roadmap   Why this matters: Many people think financial freedom is something they reach someday in the future, but financial freedom is often built long before you arrive there. It's built through consistent decisions, intentional spending, healthy financial habits, and systems that support your goals. It's built when you stop chasing someone else's definition of success and start creating a financial life that reflects what matters most to you. The more intentional you become with your money, the more options you create for yourself. And those options can look different for everyone. For one person, it might mean retiring early. For another, it might mean changing careers, traveling more, working fewer hours, or simply feeling confident that an unexpected expense won't derail their progress.   Timestamps: [03:30] Marc shares his progression of financial freedom and how it has changed as he's gotten older. It's about leveraging time wisely, now. [10:55] Can I utilize the skills God has given me to make sure I'm changing the lives of others? This question helped guide Marc towards his version of financial freedom. [24:25] If you have family asking for money, you need to assess how this is impacting your situation. This can hold back your own financial freedom. [34:40] The big secret to wealth building is taking the human factor (yourself) out of it. Automate as much as possible.   Resources Mentioned: Follow Marc on Instagram Learn more about BetterWallet Listen to Episode #107: Adding Investing to Your Money Goals City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've been working toward financial freedom but still feel unsure about what it actually looks like, this episode is a reminder that freedom isn't just about reaching a number. It's about building a financial life that gives you options. A life where your money supports your goals, your values, and the experiences that matter most to you. The path to financial freedom doesn't require perfection. It requires intention, consistency, and a willingness to keep showing up for your future self. You're not behind…you're building. Consistency compounds. The steady work you're doing now is shaping your next level.

    46 min

  2. Jun 29

    How to Keep the Momentum Going for the Second Half of the Year

    Isn't it wild how quickly the year can move? One minute you're setting goals, feeling motivated, thinking about everything you want to accomplish…and the next, you're halfway through the year wondering how you got here so fast. Depending on how the first half of the year went for you, you might be feeling really good right now…like you've built momentum, made progress, and started to see results. Or…you might be feeling a little off. Maybe you started strong and fell off. Maybe things didn't go the way you planned. Maybe you've been meaning to "get back on track" for a while now. Here's what I want you to know: where you are right now is not a problem. It's just information. In this episode, we're walking through how to keep (or rebuild) your momentum for the second half of the year in a way that feels structured, realistic, and sustainable. Because finishing the year strong isn't about having a perfect start…it's about how you choose to move forward from here.   In this episode, we discuss: Why the first half of the year doesn't determine your overall success How to get honest about your current progress without judgment Why reconnecting to your goals is key to building momentum How to adjust or refine your goals based on your current season A simple mid-year reset ritual to help you reflect and refocus Why simplifying your plan makes it easier to stay consistent How weekly routines help you stay connected to your goals Why planning for setbacks helps you stay on track long-term   This episode is especially helpful if you: Feel like you've fallen off track with your goals this year Started strong but struggled to stay consistent Want to reset your finances, routines, or habits mid-year Feel overwhelmed trying to "fix everything" at once Want to build momentum for the rest of the year Are ready to feel more focused, intentional, and in control   Why this matters: The women who finish the year strong aren't the ones who had a perfect first half. They're the ones who re-engage, reassess, reset, and recommit. Momentum doesn't come from doing everything perfectly…it comes from staying connected to your goals and continuing to move forward, even when things aren't going exactly as planned. When you get clear on where you are, simplify your plan, and build routines that support your goals, you make it easier to stay consistent. And consistency is what creates real results.   Timestamps: [02:00] The women who finish the year strong are usually not the ones who had a perfect first half of the year. They've just recommitted. [04:02] Reconnecting and refining your goals is a key part of building momentum for the second half of the year. [04:30] Your goals are allowed to evolve. It's okay if your goals need to change for the second half of the year. [09:49] Simplify your plan so you follow through. When it comes to goals, one of the biggest reasons for losing momentum is a complicated plan.   Resources Mentioned: Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   The second half of the year isn't about catching up, it's about moving forward with intention. You don't need to fix everything overnight. You don't need to be perfect. You just need to get clear, reconnect to what matters, simplify your plan, and stay consistent. Momentum builds from small, intentional decisions made over time. If you're ready to build more structure, clarity, and consistency with your money and your goals, that's exactly what we focus on inside coaching. You can request a free money call using the link in the Resources section. Where you are right now is just your starting point. What matters most is what you do next.

    15 min

  3. Jun 22

    5 Routines to Help You Stay Focused on Paying Off Debt

    There was a time in my life where I didn't just go into debt once…I went into debt multiple times. And not small amounts. I'm talking tens of thousands of dollars…more than once. If I'm being honest, that used to be one of the most frustrating parts of my journey. Because it wasn't like I didn't know better. I had already learned the lessons. I had already gotten out of debt once. And yet somehow…I found myself right back in it again. In this episode, I'm not just talking about how to pay off debt…I'm talking about how to stay focused long enough to actually finish the journey.  Getting out of debt isn't about knowing what to do…it's about becoming someone who can stay consistent long enough to do it. And that's where routines come in.   In this episode, we discuss: Why paying off debt requires more than just knowledge or motivation The real reason people fall back into debt after getting out How inconsistency slows down your debt payoff progress Why daily awareness of your spending is a game changer How your budget gives context to your spending decisions The importance of weekly debt check-ins and staying engaged Why pre-deciding your spending helps you avoid emotional decisions How to create a strong "why" that keeps you motivated long-term Why tracking progress beyond balances helps you stay consistent   This episode is especially helpful if you: Feel like you've been in and out of debt more than once Struggle to stay consistent with your debt payoff plan Know what to do financially, but have trouble following through Feel overwhelmed or discouraged by your current debt balances Want to build better money habits while paying off debt Are ready to stay focused and actually finish your debt payoff journey   Why this matters: Getting into debt can happen quickly. Getting out of it takes time. If your habits, routines, and patterns don't support that long-term process, it becomes easy to fall into a cycle of starting and stopping. That cycle is what keeps people stuck. But when you build routines that keep you connected to your money (daily, weekly, and consistently), you stay engaged in the process. You make better decisions. You build momentum. And over time, that momentum turns into real progress. Because paying off debt isn't just about the numbers…it's about the behavior behind those numbers.   Timestamps: [00:09] Raya opens with her experiences with getting into and out of debt multiple times. [03:40] A pattern Raya had while in debt was disconnection. She wasn't aware of what she was spending. It was all about the moment. [08:00] Realizing that her spending wasn't random, Raya was able to see how her spending was tied to her identity (in a negative way). [13:45] Tracking your progress beyond balances is a great way to keep you focused on the journey.   Resources Mentioned: Episode #15: My Debt-Free Story and the Biggest Takeaways Get a Custom Budget Plan created by Raya Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Getting out of debt isn't about being perfect, it's about being consistent. It's about building routines that support you even on the days you don't feel motivated. Because motivation will come and go. But your routines are what keep you moving forward. If you're on a debt payoff journey right now, you're not behind…you're in the process. Stay consistent. Stay connected. Stay committed to your plan. Give it time, because it will pay off. If you're ready for more structure, more clarity, and more support with your money, that's exactly what we build inside coaching. You can request a free money call using the link in the Resources section.

    18 min

  4. Jun 15

    The Truth About Vacation Spending (and How to Do It Guilt-Free)

    If you know me, then you know there was a time in my life where vacation spending felt so exciting in the moment…and so stressful the second I got home. I remember going on a girls trip to Vegas in my early 20s. Deep down, I knew I couldn't really afford the trip the way I was approaching it, but I went anyway. No real plan, no clear budget…just spending based on what felt good in the moment. And when I got back? Reality hit. I was scrambling to cover my normal expenses, including rent. That post-vacation stress didn't match the experience I thought I was creating. I thought I was enjoying my life, but what I was really doing was borrowing peace from my future self to enjoy the present. In this episode, we're breaking down the truth about vacation spending—what actually causes people to overspend, why guilt shows up so often around travel, and how to approach your trips in a way that lets you enjoy them fully without throwing your finances off track. Because guilt-free spending isn't about spending less…it's about spending with a plan.   In this episode, we discuss: Why vacation spending often leads to stress, guilt, or financial setbacks The two extremes people fall into: overspending vs over-restricting Why emotional spending is more likely during travel How to plan your vacation spending before the trip (not during it) Why deciding your experience matters more than just setting a budget How to structure your days to balance spending and enjoyment The importance of staying aware of your spending while traveling How to enjoy your trip without feeling restricted or financially anxious   This episode is especially helpful if you: Feel stressed or guilty after spending money on vacations Tend to overspend while traveling and regret it later Overthink every purchase on trips and struggle to enjoy yourself Want to travel more but feel unsure how to afford it responsibly Feel like you have to "recover" financially after vacations Want to enjoy experiences without sacrificing financial stability   Why this matters: Vacation spending isn't the problem. It's how you approach it. Most people fall into one of two patterns: they either overspend and deal with the consequences later…or they restrict so much that they can't even enjoy the experience. But there's a middle ground. When you plan ahead, decide what actually matters, and stay connected to your spending while you travel, everything changes. You stop making emotional, in-the-moment decisions and start making intentional ones. And that's what allows you to enjoy your trip fully…without coming home stressed, behind, or trying to fix your finances.   Timestamps: [02:45] Raya's past experiences with vacation spending tend to be a common scenario for a lot of women. [05:13] Don't wait until you're on the trip to start figuring out your finances. Planning ahead allows you to be proactive, instead of reactive with money. [09:00] When planning a trip, always start with the type of experience you want to have. This will help you plan spending. [12:20] There's a middle ground between being aware of what's happening with your money and spending while on vacation.   Resources Mentioned: Episode #30: Vacation Planning on a Budget Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Vacation spending doesn't have to come with guilt, but it does require intention. When you plan ahead, decide what matters, and stay connected along the way, your trips stop being something you have to recover from…and start being something that fits into your life. You get to enjoy the experience and feel good when you come home…not stressed, not behind, but still in control of your money. And if you're ready to build that kind of structure and confidence with your finances (not just for vacations, but for everyday life), support and accountability can make all the difference. You can request a free money call using the link in the Resources section. You don't have to choose between experiences and financial peace. You just have to learn how to plan for both.

    15 min

  5. Jun 8

    4 Summer Spending Traps That Can Ruin Your Savings Goals

    There was a time in my life where summer felt like a financial reset. Everything felt lighter. More relaxed. More social. I wasn't thinking about routines the same way, and I definitely wasn't as focused on my budget. I was just… living. In the moment, it felt good. Like I was enjoying my life and taking a break from structure. But what I didn't realize back then was that the kind of "reset" I was creating wasn't actually helping me. Because if you're not careful, a financial reset can quietly turn into falling behind. In this episode, I'm walking you through four common summer spending traps that can derail your savings goals…and more importantly, how to stay aligned with your money without feeling restricted.  You don't have to choose between enjoying your summer and being financially responsible…you just need to stay connected while you do it.   In this episode, we discuss: The real reason summer can throw off your savings and financial progress Why feeling like you "deserve it" can turn into emotional spending How social plans can quickly lead to unplanned overspending The danger of telling yourself you'll "get back on track later" Why inconsistency with money habits makes everything feel harder How small, everyday summer spending adds up faster than you think The importance of staying connected to your budget during busy seasons Simple ways to stay intentional with your money without missing out   This episode is especially helpful if you: Feel like summer always throws your finances off track Tend to overspend on social plans, dining, or last-minute activities Struggle to stay consistent with budgeting during busy seasons Tell yourself you'll "fix it later" when it comes to money Feel like your savings goals slow down or stop in the summer Want to enjoy your life while still making financial progress   Why this matters: Summer doesn't ruin your finances, but disconnection from your money absolutely can. And that disconnection doesn't usually happen in big, obvious ways. It happens in small decisions. Small patterns. Small moments where you stop checking in and start going with the flow. When you're not intentional, your spending becomes reactive; and when your spending is reactive, it becomes harder to stay aligned with your goals. But when you stay connected to your money (even in busy, social, high-spend seasons), you stay in control. You make better decisions in real time. You adjust as needed, and you avoid that overwhelming feeling of having to "start over."   Timestamps: [03:13] One of the biggest shifts Raya helps her clients work through is the mindset of justifying purchases. [06:06] Letting social plans dictate your spending can be one of the fastest ways to lose control of your spending. [10:53] Most women know what to do when it comes to money, but they struggle because they don't stay consistent with their efforts. [13:35] Not sure why your money feels tight in the summer? It's likely a lack of awareness of where your money is going.   Resources Mentioned: Episode #184: Fighting Summer FOMO: 5 Hacks that Keep Me on Track with My Budget and Goals Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If there's one thing to take from this episode, it's this: summer doesn't have to set you back…but it will if you move through it without intention. The women who feel calm and confident with their money during busy seasons aren't the ones who never spend. They're the ones who decide how they want to spend before the moment happens. They stay aware. They stay connected. They stay grounded in their goals…while still enjoying their lives. If you're ready to build that kind of consistency with your money, having the right structure and support can make all the difference. You can request a free money call using the link in the resources section. You're not off track, you just need to stay connected.

    17 min

  6. Jun 1

    Hot Girl Summer on a Budget: Having Fun without Overspending with Aleah from Creative With Money

    Summer has a way of making you want to say yes to everything. The trips. The brunches. The outfits. The events. The experiences. Listen…there's nothing wrong with enjoying your life. In fact, you should enjoy your life. But what you don't want is to come out of the summer with credit card debt, financial stress, or feeling like you have to start over when fall hits. Because the truth is, you don't have to choose between having fun and being financially responsible. You can do both. In this episode, we're breaking down how to have your version of a "Hot Girl Summer" without overspending, without guilt, and without falling off track with your financial goals. I'm joined by Aleah Vassell from Creative With Money, who shares a powerful perspective on building wealth, managing money, and staying intentional…even with inconsistent or creative income.   In this episode, we discuss: How to enjoy summer without overspending or going into debt Why high-spend seasons like summer can derail your financial progress How to balance fun, experiences, and financial responsibility What intentional spending actually looks like in real life How to manage your money during seasons of inconsistent income Why assuming "future income" will cover current spending can backfire How to create a summer spending plan or "fun fund" that works Creative ways to enjoy your summer without blowing your budget How to deal with FOMO without sabotaging your financial goals   This episode is especially helpful if you: Feel pressure to spend more money during the summer months Want to enjoy your life but stay aligned with your financial goals Tend to overspend on travel, dining, or social events Feel like summer always throws you off track financially Have inconsistent income or are self-employed/creative Want to feel more intentional, confident, and in control of your spending   Why this matters: Summer can either be a season where you fully enjoy your life and stay aligned with your finances…or a season that quietly undoes months of progress. A lot of overspending doesn't come from a lack of discipline. It comes from a lack of planning, intention, and awareness…especially during high-energy, high-spend seasons like this. When you approach your money with intention, everything changes. You stop reacting and start deciding. You give yourself permission to enjoy your life, but within boundaries that actually support your long-term goals. Over time, that balance is what allows you to build wealth without feeling restricted or deprived.   Timestamps: [02:40] Aleah shares how she went from starving artist to high-income creative, and how Creative with Money came to be. [09:36] Prioritize your joy. You don't have to spend money to bring happiness into your life. [20:20] Aleah gives guidance to listeners who are thinking about investing or struggling with choosing investing over saving. [32:40] Raya and Aleah share some low-cost ways people can have fun over the summer.   Resources Mentioned: Follow Aleah on Instagram Creative with Money Resources City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've ever felt like summer throws your finances off track, this episode is your reminder that you can enjoy your life and stay financially aligned at the same time. With a little planning, intentionality, and structure, you don't have to choose between fun and financial progress…you can have both. If you're ready to build a system that helps you stay consistent with your money no matter the season, support and accountability can make all the difference. You can learn more about coaching using the link in the show notes. You are allowed to enjoy your life. Just make sure your money is set up to support it, not stress you out later.

    44 min

  7. May 25

    6 Reasons Why Consistency Is the Secret to Financial Success

    I'm going to say something that might sting a little. Inconsistency is the real financial killer. Not low income. Not inflation. Not student loans. Not a lack of knowledge. Inconsistency. Because most women don't struggle with money because they don't know what to do. They struggle because they do it for a few weeks… and then stop. They budget when they feel motivated… and then stop. They save for a month… and then stop. They start strong… and then lose momentum. And every time you stop, you reset your progress. In this episode, I'm breaking down why consistency (not motivation, not perfection, not even income)is the real secret to financial success. We're also talking about how consistency builds momentum, strengthens self-trust, reduces anxiety, and creates long-term results that feel stable and sustainable. If you've ever felt like you're constantly starting over with your money, this episode is going to hit home.   In this episode, we discuss: Why inconsistency is the real reason many women feel stuck financially How inconsistency breaks momentum and keeps you in a cycle of starting over Why consistency builds self-trust and financial confidence How consistency compounds—both financially and behaviorally Why inconsistent money habits increase financial anxiety The difference between being interested in financial success vs committed to it How consistency makes financial success predictable (not random) Why systems and structure are required to stay consistent   This episode is especially helpful if you: Feel like you're constantly starting over with your money Struggle to stay consistent with budgeting, saving, or tracking Know what to do financially, but don't follow through long-term Feel behind despite making good income Want to feel more confident, calm, and in control of your finances   Why this matters: Financial success isn't built in one big moment. It's built through repeated, steady actions over time. When you're inconsistent, everything feels harder. You lose momentum. You lose clarity. You lose confidence. And eventually, you start avoiding your money altogether. But when you're consistent, everything shifts. You trust yourself more. You stay aware of your numbers. You make better decisions faster. And you start to see progress that actually sticks. Consistency removes the chaos and replaces it with stability…and over time, that stability turns into financial confidence…and real results.   Timestamps: [03:39] When you lose consistency with your financial habits, you lose confidence. Avoidance is when financial chaos ensues. [07:12] Consistency changed how Raya approached risk. Decisions used to be made out of hope and adrenaline, where now, decisions are calculated.  [13:10] Inconsistency results in stalls growth…with budgeting, investing, saving, and any other helpful habit for your finances. [20:05] Consistency forces you to prove to yourself that you mean what you say. If you say you want financial peace, are you consistently doing things that create it?   Resources Mentioned: Episode #141: How Managing My Money Has Boosted My Confidence Episode #178: Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've been feeling stuck or frustrated with your progress, this episode is your reminder that you don't need a better plan…you need more consistency with the plan you already have. If you're ready to build real consistency with your money, support, structure, and accountability can make all the difference. You can learn more about coaching using the link in the show notes. You are not behind. You're just one consistent season away from everything starting to click.

    26 min

  8. May 18

    How to Create a Weekly Money Routine That Keeps You on Track

    Let me guess. You've tried to "be better" with money before. You've told yourself you'll check your accounts more often. You've promised you'll stick to your budget. You've said this month will be different. And maybe it is… for a week. Then life gets busy. Work gets intense. You get tired. Something unexpected comes up. And suddenly, you're back to reacting instead of leading your money. Here's what I want to gently say: it's not that you lack discipline…it's that you lack a routine. Because discipline requires energy, but a routine relies on structure. And structure wins every time. In this episode, I'm walking you through how to create a weekly money routine that actually sticks…not one you do when you feel motivated, but one that becomes part of your rhythm. Because if you want to feel confident and in control of your finances, consistency is the bridge. And consistency is built weekly.   In this episode, we discuss: Why discipline alone isn't enough to stay consistent with money How a weekly money routine creates clarity and control Why weekly check-ins prevent overwhelm and avoidance How to choose a consistent time for your routine What to include in a weekly money check-in (step-by-step) How reviewing transactions helps you stay aware of your spending Why checking account balances builds financial confidence How to plan ahead for upcoming expenses How to make small adjustments without overcorrecting The role of daily habits in supporting weekly consistency How to stay consistent even when you miss a week   This episode is especially helpful if you: Struggle to stay consistent with your money habits Feel reactive instead of in control of your finances Avoid checking your accounts or tracking spending Want a simple, repeatable money routine that works   Why this matters: Financial consistency isn't about doing everything perfectly…it's about having a rhythm you can return to. When you only check in on your money occasionally, everything feels bigger than it is. Numbers feel overwhelming. Decisions feel heavier. Avoidance becomes easier. But when you check in weekly, nothing builds up. You stay aware. You adjust early. You stay in control. A weekly money routine turns your finances from something reactive into something intentional…and that's where confidence starts to build.   Timestamps: [02:11] The first step to building a weekly money routine is deciding when you'll implement that routine (and protect that time). A set day and time each week will go a long way. [05:10] Raya walks through the 5 core components of a weekly money check in, including reviewing transactions, updating budget categories, and more. [10:30] Your entire weekly routine should take 30-40 minutes. Being consistent with it keeps the timing efficient. [14:25] Decide in advance what happens when you slip up with your weekly routine. Don't wait until you're in the moment to determine your response. Emotions are louder than logic.   Resources Mentioned: Episode #164: Plan, Prepare, and Organize Your Finances with Alaina Fingal City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've been trying to stay consistent with your money but keep falling off, this episode is your reminder that you don't need to try harder…you need a routine that supports you. If you're ready to build a money routine that fits your life and helps you stay on track, you can book a free clarity call at citygirlsavings.com. You are capable of managing your money in a way that feels consistent, calm, and aligned with the life you want to live. Strong routines create lasting confidence. Keep building with intention.

    20 min
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About

Make good money but still feel behind financially? Struggling with budgeting, overspending, or figuring out where your money actually goes? Whether you're living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth...The City Girl Savings Podcast is your weekly money reset. Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth...without giving up the lifestyle they love. Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she's a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur...and she teaches women how to do the same. Each episode covers topics like: • Budgeting systems that simplify your life • Money mindset shifts that build confidence • How to stop overspending and save consistently • Paying off debt and keeping it at $0 • Building wealth while still enjoying your lifestyle • Financial organization, goal setting, and long-term security If you're a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset. Press follow and let Raya be the money coach in your ear every Monday...helping you budget your way to a life you truly love. Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

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